Employers’ Liability is a legal requirement for any business that has one or more employees, protecting your legal liability as an employer against injury, disease or death sustained by your staff in the course of their employment.

If you have employees, there is a chance that they could be injured at work or become ill as a result of working for you. If this happens they may be entitled to claim compensation from you, which is why and you need employers’ liability to cover the cost.

For example, if an employee is injured while working on machinery without the proper safety precautions, you will need to claim on your employers’ liability cover. The policy also covers claims for employee illnesses that have been contracted as a result of working for you, even if they manifest after the person has left your employment. For this reason you must keep on file all documentation related to your employers’ liability insurance, even if it has expired.

With many years experience looking after the insurance requirements of a wide range of businesses, from sole traders and consultants up to multi-national corporates, we understand the risks you face and can advise on the level of employers’ liability you need to have in place.

You may find incorporating employers’ liability into a single business policy along with public and product liability reduces the overall cost and makes your business insurance easier to manage. We are happy to advise on this.